The following are services and coverages currently excluded from coverage:

• Psychological and related treatment or therapy other than hypnotherapy (aka: Psychiatrists, Psychologists, Social Workers);
• Massage/movement using implements other than the body; unless approved in writing by Underwriters;
• Manipulations or adjustments of the human skeletal structure;
• Treating or diagnosing any medical conditions;
• The administering or prescription of any prescribed medicine;
• The practice of medicine;
• The use of lasers; (excluding cold lasers);
• Hair implanting or hair transplanting;
• Body piercing, permanent cosmetics, or tattooing, unless specifically selected on the application and additional premium paid;
• Pigment removal creams;
• Body branding of any nature;
• Cosmetic surgery;
• Removal or any attempt to remove warts, moles or skin growths;
• Chiropody or podiatry;
• Hunting, fishing, mountain biking, BMX, kayaking/canoeing, skiing/snowboarding, and motorsports; or
• The transmission of a communicable disease.

**Please note these are brief definitions of exclusions for the current year’s policy only, and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of exclusions.